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Property Type: Detached HouseOwnership: Freehold
140 SHADE STREET
Wilmot, ON N3A4J2
MLS® X13862348
$640,000
4 bed1 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 66.1 x 114.4 FT
- Frontage
- 66.1 feet
R
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,041
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Description
FOLLOW THE YELLOW BRICK ROAD. CHARMING 2 STOREY YELLOW BRICK HOME ON ONE OF THE MOST COVETED STREETS IN TOWN. COUNTRY VIEWS FROM THE FRONT PORCH WITH YOUR MORNING COFFEE IN HAND. LARGE FOYER WITH EXTENSIVE WOODWORK OPENS ONTO THE LIVING ROOM WITH POCKET DOORS SEPARATING THE DINING ROOM FEATURING A LARGE BAY WINDOW. BRIGHT AND AIRY KITCHEN WITH PLENTY OF WINDOWS AND A DOOR TO THE BACK PORCH AND REAR YARD. 4 GOOD SIZED BEDROOMS AND A FULL BATH UPSTAIRS. THE BASEMENT HAS A FINISHED OFFICE ROOM. THE HOME IS SURROUNDED BY MATURE PINE AND SPRUCE TREES GIVING YOU LOTS OF PRIVACY IN BOTH THE FRONT AND BACK YARDS. DETACHED GARAGE HAS A WORKSHOP AREA IN ADDITION TO THE GARAGE SPACE. BRAND NEW ROOF IN 2026, SLATE PATIO IN BACK YARD, PERFECT FOR ENTERTAINING. GAS LINE TO BBQ. IMPRESSIVE PROPERTY WITH A COUNTRY FEEL AND ONLY AN 8 MINUTE WALK TO SCHOOLS AND DOWNTOWN CORE. BE SURE TO VIEW! (id:63159)
Listing Information
- MLS®
- X13862348
- Data last synced
- October 18, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X13862348
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Toronto Regional Real Estate Board.
Location Insights
Weather
Nearest station: Stratford
8°C
Fog
Humidity 99%
Wind ENE 3 km/h
Tonight
8°
Thursday
20°
Thursday night
5°
Friday
12°
Friday night
0°
Saturday
15°
Source: Environment and Climate Change Canada.
Population
22,398
(2021 Census)
+3.9% since 2016
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Mortgage & Ownership Cost Calculator
Minimum required: 6.1% ($39,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$512,000.00
Periodic payment — Principal & Interest (monthly)$3,303.25
Additional monthly expenses (condo fees, tax, utilities, etc.)$336.75
Total monthly cost$3,640.00
Interest paid over 5-yr term$146,740.67
Balance at end of term$460,545.66
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,000
Stress test qualifying rate8.19%
Payment you must qualify for$4,660.00
Cash Needed at Closing
Minimum down payment$39,000
Estimated Land Transfer Tax (LTT)$9,275
Legal / closing costs (typical estimate)$1,500
Total cash needed$49,775
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
